Bupa And Motorcycle Accident - Have Any Better?

[billyfix]

Hi,

I am not new in this forum just I was read only mode. I tried too find answer for my problem but I didn't so don't attack me and offer me use search functions. I already did

I am living in Thailand and I use Bupa Platinum health insurance 2 years ago. It's cost me around 28K yearly. Not cheap but one time I was in a hospital and worked well (not accident). Now I am before yearly renewal and I am not sure wanna pay or find better company. One thing I don't like: motorcycle accidents covered only 50 % (even you driver or just passenger with motorcycle taxis).

Anybody now better options or company? For similar price not up to 100K thb

[ray23]

The 50% only applies to death benefit. Not the medical care.

Depending on your age AIG has a fair plan, The advantage to BUPA is can not be canceled because of your age. The other plans I have seen here will only cover you to a specific age, then your not insured any longer.

Maybe someone has seen something different. If your young you got time.

[ThaivisaInsurance]

There are several insurance companies which offer medical insurance to the level you have now.

Like BUPA all are good and offer full coverage for medical expenses even if incurred by an accident on a motorcycle.

Please go Here for quotations from the various companies.

[ray23]

The reason I went with BUPA was they continue coverage past age 60.

[Pakboong]

The reason I went with BUPA was they continue coverage past age 60.

Past age 70.

[jackcorbett]

Here's why I went with Bupa. First off while living in the U.S. a number of years ago I dropped my Blue Cross Blue Shield Health Insurance and got a competitive policy with another company. Much later on I got it with Mutual of Omaha, a large company, offering the full gamut of coverages---auto, health, property, etc. After a few years Mutual of Omaha got out of the health insurance business and I was shifted to another company. But the premiums were substantially higher than I would have had to pay with Blue Cross Blue Shield. At this point I could not get on again with Blue Cross Blue Shield for reasons I won't get into here. So here one of the country's largest insurance companies decided to simply get out of the health care business. From this point on, I decided that a man should go only with the largest and most committed company offering health care policies. So when I moved to Thailand it was apparent to me that Bupa seemed least likely to get out of the health care business. Also....Bupa will keep insuring its insureds so long as they keep paying their premiums. For me, at my age any company that's going to drop me because I have turned sixty or sixty-five is worthless. Lastly, Bupa will cover me in every country in the world except for my own country, the U.S.A. Considering I've traveled to Vietnam three times in a year and a half I find this to be critical. Lastly, I wanted some pretty high powered coverage. I got it with Bupa. And a few months ago I had to have a minor operation so I had the opportunity to thoroughly test the facilities at Bangkok Pattaya Hospital. So I had an overnight stay in a large very comfortable two room suite. Bupa paid every cent of my overnight stay in the hospital.

[ray23]

BUPA you have to insured with them before the age of 60, then you won't get canceled because of age. They pay

If your here long term it something you really have to think about

[johndpoole]

Can anyone settle a bet between my GF and I ...

Can actual motorcycles (choopers) drive on the Toll Highways in Thailand?

She tells me they cannot but I am sure this rule just applies to the scooters.

[billyfix]

The 50% only applies to death benefit. Not the medical care.

Depending on your age AIG has a fair plan, The advantage to BUPA is can not be canceled because of your age. The other plans I have seen here will only cover you to a specific age, then your not insured any longer.

Maybe someone has seen something different. If your young you got time.

Thank you very much. I just called BUPA and it's true. They pay medical care even motorcycle accidents. It is good news. Just they endorsement was not too clear for me.

I don't know I am young or not, almost 40. But I think I am enough young for insurance companies.

[billyfix]

Can anyone settle a bet between my GF and I ...

Can actual motorcycles (choopers) drive on the Toll Highways in Thailand?

She tells me they cannot but I am sure this rule just applies to the scooters.

Good question, I thought about it before.

I've never seen motorcycle on the Toll Highways in Thailand. I think doesn't matter you have Honda click 115 ccm or Honda Steed 400 ccm - same category in rules.

[ray23]

Go pay your girlfriend

[jazzbo]

From D&B's Hoovers.com:

If you bump-a your head during a ride in a rickshaw or your Thai Bubby needs to see a doctor, BUPA Health Insurance (Thailand) is there to help. The company, a subsidiary of British United Provident Association, is a leading health insurer covering thousands of companies and individuals in Thailand. BUPA's products cover a variety of health issues, including coverage for international travel and insurance for non-Thais who plan to spend up to six months in the country. Its six domestic branches carry out daily operations. With more than 200 employees (including doctors and nurses),

BUPA commands a majority share of Thailand's specialist health insurance market (about 80%).

Somebody must be doing something right.

http://www.hoovers.com/bupa-thailand/--ID_...factsheet.xhtml

[languageexpress]

Here's why I went with Bupa. First off while living in the U.S. a number of years ago I dropped my Blue Cross Blue Shield Health Insurance and got a competitive policy with another company. Much later on I got it with Mutual of Omaha, a large company, offering the full gamut of coverages---auto, health, property, etc. After a few years Mutual of Omaha got out of the health insurance business and I was shifted to another company. But the premiums were substantially higher than I would have had to pay with Blue Cross Blue Shield. At this point I could not get on again with Blue Cross Blue Shield for reasons I won't get into here. So here one of the country's largest insurance companies decided to simply get out of the health care business. From this point on, I decided that a man should go only with the largest and most committed company offering health care policies. So when I moved to Thailand it was apparent to me that Bupa seemed least likely to get out of the health care business. Also....Bupa will keep insuring its insureds so long as they keep paying their premiums. For me, at my age any company that's going to drop me because I have turned sixty or sixty-five is worthless. Lastly, Bupa will cover me in every country in the world except for my own country, the U.S.A. Considering I've traveled to Vietnam three times in a year and a half I find this to be critical. Lastly, I wanted some pretty high powered coverage. I got it with Bupa. And a few months ago I had to have a minor operation so I had the opportunity to thoroughly test the facilities at Bangkok Pattaya Hospital. So I had an overnight stay in a large very comfortable two room suite. Bupa paid every cent of my overnight stay in the hospital.

Man, rough deal! I hadnt realised healthcare in the US could be such a rough trip. Glad you've got things sorted now.

[jackcorbett]

'

Man, rough deal! I hadnt realised healthcare in the US could be such a rough trip. Glad you've got things sorted now.

Let me give you a for instance about just how bad health care has gotten in the U.S. Just four weeks before my first trip to Thailand I suddenly developed a very severe painful problem in my lower back. It was so bad that I'd lie on the couch in my apartment with a set of crutches next to me and when I'd have to urinate I'd use the crutches to help support me as I went to the toilet just 15 feet away. Then I'd hang on them while urinating. Even so it hurt so much I wouldn't go to the toilet unless I absolutely had to. I was told I could not see my doctor for one month. Figuring a trip to the emergency room would cost me $1000 or so, I went to a clinic instead where I saw a woman doctor of Asian descent. She saw me for no more than five minutes and prescribed some pills for me. Then she asked me if I wanted a different type of pain killer. I replied.."Something with codeine in it" because a man working maintenance at the apartment complex told me codeine had really helped him when he had an identical problem as mine. The doctor looked at me as if I was a drug addict and said to me, "I never give codeine to my patients."

I had to take a cab to that clinic because I was hurting so badly that I felt I couldn't drive. Prescription in hand I now called another cab to take me to the pharmacy. The pharmacy took my prescription then told me to come back in an hour or 2. The pharmacy was only 1 mile from my apartment so, this time I drove my truck there to pick up my pills and it hurt so much going there. I got only six days worth of tablets for the pain. The five minute doctor's visit and my prescription cost me around $350.00. Even worse the prescription did not work at all. One week later I went to a chiropractor and paid his office $600 but this included about two months of office visits and x rays. The treatments worked like a champ and I was able to go to Thailand. If I had stuck it out with the MD's I would have probably have wound up with an operation, paid thousands of dollars and never made it here. I can truthfully say the medicine in the U.S. is so horrifically expensive and the attention of most doctors so lackadaisical that I lived in fear of the things that would happen to me as I got older and here I had been paying $3600 a year for health insurance that would not kick in until I had already paid a $5000 deductible. The very high cost and poor medical care was the main factor for my moving to Thailand---not the women.

[JimsKnight]

Can anyone settle a bet between my GF and I ...

Can actual motorcycles (choopers) drive on the Toll Highways in Thailand?

She tells me they cannot but I am sure this rule just applies to the scooters.

I've argued the toss over this inane ruling with highway police and tollway people.

The tollway people, if no coppers are near will just wave you through and send you on your way. The cops will usually tea-money you for 200 baht or so OR (if it's a motorway) move you into the transitway (Parts of highway 9).

You can just hide behind, or around the left-hand side of big trucks and slip through un-noticed, but you didn't hear that from me

So yeah you aren't supposed to ride on them, but TIT

[grumpyoldman]

'

Man, rough deal! I hadnt realised healthcare in the US could be such a rough trip. Glad you've got things sorted now.

Let me give you a for instance about just how bad health care has gotten in the U.S.

hi jack,

I have BUPA platinum and when I take my two week vacation in the states every year, I pay about 3000thb for an extra coverage that covers about 150,000US$....................supposedly.

Have you been offered or looked into the same when travelling to the US?

[ray23]

This an excellent one if your traveling and are more then 100 miles away for your home. Cost about the same as BUPA much better coverage. It can be purchased internationally.

I think the U.S. is excluded

www.travelguard.com

[JoePai]

The best we found is from Thai Visa insurance - email them and ask for the Pacific travel details.